Georgiana, AL · Charter 18187
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Georgiana, AL · Charter 18187
Q1 2011
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.14% | -5.78% | -5.85% | -4.17% | -3.08% | 0.14% | 0.50% | -6.87% | -270 bps | |
| Return on Equity | 0.88% | -40.12% | -43.23% | -30.46% | -22.31% | 1.00% | 3.56% | -59.67% | -2,921 bps | |
| Net Interest Margin | 3.51% | 3.26% | 3.70% | 3.75% | 3.78% | 3.51% | 3.43% | 2.70% | -105 bps | |
| Efficiency Ratio | 93.75% | 92.30% | 82.81% | 70.49% | 74.29% | 90.79% | 91.96% | 264% | +19,315 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.43% | 0.46% | -4.62% | -6.63% | -4.50% | -4.52% | -1.60% | 2.17% | +880 bps | |
| Loan Growth (YoY) | -1.30% | -10.18% | -6.09% | -11.60% | -14.16% | -12.84% | -22.26% | -28.09% | -1,649 bps | |
| Share Growth (YoY) | -3.06% | 2.05% | -2.51% | -4.60% | -1.92% | -3.77% | -2.18% | 4.76% | +936 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.38% | 5.75% | 3.60% | 4.09% | 4.05% | 11.03% | 6.69% | 3.76% | -33 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.44% | 2.47% | 0.74% | 1.14% | 1.23% | 1.42% | 1.17% | 1.64% | +50 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.13% | 14.41% | 13.54% | 13.69% | 13.81% | 13.66% | 14.05% | 11.52% | -217 bps | |
| Net Worth / Assets | 16.13% | 14.41% | 13.54% | 13.69% | 13.81% | 13.66% | 14.05% | 11.52% | -217 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.74% | 88.41% | 89.17% | 86.48% | 84.67% | 80.07% | 70.86% | 59.36% | -2,712 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |